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Oakdale sits in Stanislaus County's agricultural heartland. Non-US citizens buying here often target investment properties or second homes near family.
Foreign national loans are non-QM products. That means lenders set their own rules — and those rules vary widely across our 200+ wholesale partners.
30–40%
Min Down Payment
Not Required
US Credit Score
Non-QM
Loan Category
30–45 Days
Est. Close Time
Vary by Profile
Rates
Foreign National Loans in Oakdale
You don't need a US credit score. Most lenders accept a foreign credit report or reference letters from your home country bank.
Expect a minimum 30% down payment. Some lenders require 35-40% depending on your country of origin and asset documentation.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Oakdale.
Oakdale sits in Stanislaus County's agricultural heartland. Non-US citizens buying here often target investment properties or second homes near family.
Foreign national loans are non-QM products. That means lenders set their own rules — and those rules vary widely across our 200+ wholesale partners.
You don't need a US credit score. Most lenders accept a foreign credit report or reference letters from your home country bank.
Very few retail banks offer foreign national loans. This is a wholesale-only product in most cases — which is exactly where we operate.
Lender appetite shifts fast. A lender aggressive on these loans in January may pause the program by April. Shopping across multiple sources matters here.
The biggest deal-killer we see: disorganized asset documentation. Have 60 days of foreign bank statements ready before you apply.
Some lenders restrict loans to buyers from specific countries. We match your profile to lenders whose guidelines fit — before we waste anyone's time.
ITIN loans are for borrowers who live and work in the US. Foreign national loans are for buyers who don't — that's a hard line for most lenders.
DSCR loans are another option if you're buying a rental in Oakdale. They qualify on rental income, not personal income — no pay stubs, no tax returns.
Oakdale's lower price points make entry more accessible than Bay Area markets. A 30% down payment here is far less cash out of pocket than in San Jose.
Agricultural ties bring international buyers — particularly from Mexico and other Latin American countries. We work with lenders who are experienced with that buyer profile.
Yes. Most foreign national lenders accept foreign credit reports or bank reference letters. A US credit score is not required.
Accepted visa types vary by lender. B-1, B-2, and investor visas are commonly accepted. Some lenders also work with buyers who hold no US visa.
Plan for at least 30% down. Some lenders require more depending on your country of origin and documentation.
Yes. Foreign national loans cover investment properties. A DSCR loan may also be worth comparing if the property generates rental income.
Expect 30-45 days minimum. International document verification adds time — get your paperwork together early.
Not always, but it helps. Lenders want to verify funds clearly. A US account with wired funds documented is the cleanest path.